A lot of the small toggle switches are just rated at 6 amps. One just needs to look carefully at the ratings and not work so close to the ratings.
That rating is the steady state current rating.I might take a little issue with the 'most toggle switches can handle 10 amps'. I've replaced too many '10 amp' switches that have failed when being used in circuits drawing 7-8 amps. Cheap switches perhaps. Relays are really the best way to go.
With incandescent lamps and certain types of capacitive loads (incl. HID ballasts, buck-mode LED drivers, etc), the inrush (startup) current is far, far higher than the steady state current. Hence, every time you open or close the switch contacts, the mating surfaces get more and more pitted as material is transferred from one contact to another. This effect in turn reduces the contact area, so the next time the switch is actuated the current density (A/mm^3) is even higher and further pitting/erosion occurs. Lather, rinse, repeat -- and eventually the contacts fail.
For this reason, some types of high current relays are far more reliable than typical switches, because the relay contacts can be specifically designed for high inrush applications. Some ways of doing so include mercury "wet contacts" and long wiping engagement action. These sorts of approaches are used for motor contactors, which face a long, hard life of high inrush.
wrooster